Despite the fact that the law guarantees the inviolability of social payments for Ukrainians, more and more banks are actively blocking accounts due to utility debts.
This was stated by activist of the NGO “Social Movement”, lawyer Vitaliy Dudin, commenting on cases of arrest of debtors' funds in accounts with a special use regime, writes “Sotsportal”.
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According to the lawyer, according to the law, accounts for receiving pensions or social benefits are not subject to seizure.
At the same time, there is a “loophole” in the legislation that banks have begun to actively exploit. This is a special case when at least one hryvnia is deposited into a pension account from another (unknown) source – in this case, the bank ceases to consider the card “social”, and the executive service of the financial institution has the right to freeze all funds on it.
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The lawyer noted that unblocking such cards is usually possible only through court proceedings, as banks and private enforcement agents are not interested in a quick resolution of the issue because they receive 10% of the amount collected.
According to other lawyers, this is precisely why the seizure of pension cards takes on a threatening character.
At the same time, there is only one way to protect your pension and salary on the card – by paying utilities on time and avoiding debt. It is also important to monitor financial flows on the account to avoid arrests due to small amounts that may be deposited to the card from other sources.
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We also recall that in July the Supreme Court made an important decision: in cases of financial fraud, banks cannot automatically shift the blame to cardholders, but must be responsible for the security of their services.
